I have recently received my life/health insurance license and signed with Aflac. Basically the way we do business is not by seeking out individuals and trying to market to them, but by getting in touch with business owners and arranging an appointment to speak with their employees. So far, the only way I have to set these appointments is by cold-calling various companies and organizations. My first day on the job, when I had just began to practice cold calling, I got super lucky and landed an interview with a 500 person group. However in the two weeks since then I have been having abysmal luck. I understand that its all a numbers game, and frankly I have no problem cold calling at all; but yesterday I called 230 businesses and was not able to set even one appointment. I have been looking for more effective ways to set these appointments but found that most of the lead-generating services available only provide you with individual persons (or families) that are interested in major health insurance (not supplementary). What I need is a service that can provide me with interested businesses that I can convince into scheduling an appointment. In the meanwhile, I dumped $100 bucks into insuranceagents.com, which is one of the many lead-generating sites. They have been sending me phone numbers of people in my area interested in major health. I did this because I figured that some of these individuals must already have major health with high deductibles and copayments that I could eliminate by signing them up with Aflac. I figured that if I could sell a policy to one of these individuals that I might be able to get an appointment with their employer as well. Unfortunately I have had no luck with this at all. I have no problem cold calling people, and I am fairly sure that I am pretty good at it, but I could sure use some help starting up. Are there any services that provide business leads for supplementary insurance in NYC? Or is this too small of a niche? Is my only option (aside from cold-calling) to hire telemarketers? And if so, where should I turn for that and how much should it cost me? I am pretty broke at the moment but I will take a loan out if need be. I need to get this business of the ground.